PackageTrendsPeer
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All One

Leominster, MA · Charter 66699

NCUA · 10 branches

Q2 2026

$880.8MAssets
$632.1MLoans
$692.2MShares
$76.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.33%, up 23 bps year over year; NIM at 2.79%.
  • Asset quality: problem loans at 0.27% of loans (-2 bps YoY).
  • Capital: net worth / assets of 8.67%, up 45 bps from a year ago.
  • Funding: loans stand at 91.32% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.33%+23 bps YoY

Net Interest Margin (quarter, annualized)

2.79%+26 bps YoY

Efficiency Ratio (quarter, annualized)

92.37%+304 bps YoY

Net Worth / Assets

8.67%+45 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.10%0.22%0.37%0.39%0.33%+23 bps
Return on Equity1.20%2.59%4.23%4.39%3.80%+260 bps
Net Interest Margin2.54%2.62%2.69%2.84%2.79%+26 bps
Efficiency Ratio89.32%86.60%84.54%91.93%92.37%+304 bps
Growth
Asset Growth (YoY)-2.01%-4.23%-3.76%-3.55%-0.34%+168 bps
Loan Growth (YoY)-1.01%-2.36%-2.74%-2.69%-1.77%-76 bps
Share Growth (YoY)1.51%1.50%1.99%0.99%0.18%-133 bps
Asset Quality
Delinquent Loans / Loans0.29%0.34%0.78%0.20%0.27%-2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.22%8.34%8.62%8.76%8.67%+45 bps
Net Worth / Assets8.22%8.34%8.62%8.76%8.67%+45 bps
Liquidity & Funding
Loans / Shares93.13%93.18%91.02%89.15%91.32%-181 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps